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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,988 | $79,209-53.3% | $102,434-63.9% | $74,459-50.3% |
| Participation rate | 49.1% | 74.8%-25.7pp | 76.5%-27.5pp | 67.2%-18.2pp |
| Annual return | 13.56% | 54.98%-41.4pp | 29.46%-15.9pp | 1369.70%-1356.1pp |
| Employer contribution / active EE | $1,302 | $2,362-44.9% | $3,023-56.9% | $2,626-50.4% |
| Participant deferral / active EE | $2,660 | $4,417-39.8% | $5,055-47.4% | $4,350-38.8% |
| Admin fee / account holder | $4,424 | $2,002+121.0% | $9,462-53.2% | $1,945+127.5% |